Annual Net Margin
-20.45%26.81%+56.73%
Summary
- Current Value
- As of today, UPST annual net margin is -20.45%, up +56.73% on
- Historical Performance
- UPST annual net margin is down -227.81% over the past 3 years, and down -6951.72% over the past 5 years
- All-Time High Comparison
- UPST annual net margin is currently -227.81% below its historical high of 16.00% set on
- 3-Year Low Comparison
- UPST annual net margin is +56.73% above its 3-year low of -47.26% reached on
- Sector Comparison
- UPST annual net margin is higher than 8.75% of companies in Financial Services sector
Net Margin Chart
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Series
SUGGESTED SERIES
Performance
| Metric | Date | Value | 1Y | 3Y | 5Y | 15Y |
|---|---|---|---|---|---|---|
| Annual Net Margin | -20.45% | +56.7% | -227.8% | -6951.7% | -47.4% | |
| Quarterly Net Margin | 11.48% | +375.3% | +132.1% | -22.4% | +148.8% | |
| Price | $50.32 | -16.5% | +284.4% | -9.2% | – | |
| PE Ratio | 220.99 | – | – | -67.4% | – | |
| Annual Revenue | $636.53M | +23.9% | -25.0% | +287.7% | +1011.1% | |
| Annual Net Income | -$128.58M | +46.5% | -194.9% | -2461.4% | -1351.1% | |
| Annual Gross Margin | 96.77% | +1.7% | +100.0% | +100.0% | +100.0% | |
| Annual Operating Margin | -27.16% | +45.6% | -263.6% | -873.5% | -106.5% |
Net Margin Highs
| Period | High | Date | Current |
|---|---|---|---|
| 3Y | -12.97% | N/A | -57.7% |
| 5Y | 16.00% | -227.8% | |
| All | 16.00% | -227.8% |
Net Margin Lows
| Period | Low | Date | Current |
|---|---|---|---|
| 3Y | -47.26% | +56.7% | |
| 5Y | -47.26% | +56.7% | |
| All | -47.26% | +56.7% |
Net Margin History
| Year | Value | Change |
|---|---|---|
| -20.45% | +56.7% | |
| -47.26% | -264.4% | |
| -12.97% | -181.1% | |
| 16.00% | +494.8% |
| Year | Value | Change |
|---|---|---|
| 2.69% | +1,027.6% | |
| -0.29% | +97.8% | |
| -12.89% | +7.1% | |
| -13.87% | - |
FAQ
What is the current annual net margin of UPST?
As of today, UPST annual net margin is -20.45%
What is 1-year change in UPST annual net margin?
UPST annual net margin is up +56.73% year-over-year
What is 3-year change in UPST annual net margin?
UPST annual net margin is down -227.81% over the past 3 years
How far is UPST annual net margin from its all-time high?
UPST annual net margin is currently -227.81% below its historical high of 16.00% set on December 31, 2021
How does UPST annual net margin rank versus sector peers?
UPST annual net margin is higher than 8.75% of companies in Financial Services sector
When is UPST next annual earnings release?
The next annual earnings release for UPST is on
Quarterly Net Margin
11.48%9.30%+426.61%
Summary
- Current Value
- As of today, UPST quarterly net margin is 11.48%, up +426.61% on
- Historical Performance
- UPST quarterly net margin is up +375.30% year-over-year, and up +132.10% over the past 3 years
- All-Time High Comparison
- UPST quarterly net margin is currently -40.64% below its historical high of 19.34% set on
- 3-Year Low Comparison
- UPST quarterly net margin is +109.14% above its 3-year low of -125.58% reached on
- Sector Comparison
- UPST quarterly net margin is higher than 33.66% of companies in Financial Services sector
Performance
| Metric | Date | Value | 3M | 1Y | 3Y | 5Y |
|---|---|---|---|---|---|---|
| Quarterly Net Margin | 11.48% | +426.6% | +375.3% | +132.1% | -22.4% | |
| Annual Net Margin | -20.45% | – | +56.7% | -227.8% | -6951.7% | |
| Price | $50.32 | -2.9% | -16.5% | +284.4% | -9.2% | |
| PE Ratio | 220.99 | -2.9% | – | – | -67.4% | |
| Quarterly Revenue | $277.11M | +7.7% | +70.9% | +76.2% | +324.0% | |
| Quarterly Net Income | $31.81M | +467.2% | +570.6% | +156.6% | +228.9% | |
| Quarterly Gross Margin | 97.79% | +0.1% | +1.1% | +0.2% | +100.0% | |
| Quarterly Operating Margin | 8.54% | +382.5% | +130.7% | +123.1% | -54.3% |
Quarterly Net Margin Highs
| Period | High | Date | Current |
|---|---|---|---|
| 1Y | 11.48% | at high | |
| 3Y | 11.48% | at high | |
| 5Y | 19.34% | -40.6% | |
| All | 19.34% | -40.6% |
Quarterly Net Margin Lows
| Period | Low | Date | Current |
|---|---|---|---|
| 1Y | -1.26% | N/A | +1011.1% |
| 3Y | -125.58% | +109.1% | |
| 5Y | -125.58% | +109.1% | |
| All | -125.58% | +109.1% |
Quarterly Net Margin History
FAQ
What is the current quarterly net margin of UPST?
As of today, UPST quarterly net margin is 11.48%
What is UPST quarterly net margin most recent change?
UPST quarterly net margin was up +426.61% on September 30, 2025
What is 1-year change in UPST quarterly net margin?
UPST quarterly net margin is up +375.30% year-over-year
How far is UPST quarterly net margin from its all-time high?
UPST quarterly net margin is currently -40.64% below its historical high of 19.34% set on December 31, 2021
How does UPST quarterly net margin rank versus sector peers?
UPST quarterly net margin is higher than 33.66% of companies in Financial Services sector
When is UPST next earnings release?
The next earnings release for UPST is on
Net Margin Formula
Net Margin =
× 100%
× 100%
Data Sources & References
- UPST Official Website www.upstart.com
- Most Recent Quarterly Report (10-Q) www.sec.gov/Archives/edgar/data/1647639/000164763925000134/0001647639-25-000134-index.htm
- Most Recent Annual Report (10-K) www.sec.gov/Archives/edgar/data/1647639/000164763925000018/0001647639-25-000018-index.htm
- UPST Profile on Yahoo Finance finance.yahoo.com/quote/UPST
- UPST Profile on NASDAQ.com www.nasdaq.com/market-activity/stocks/upst